There are seven realistic paths: reinstatement, loan modification, refinancing, forbearance, short sale, Chapter 13 bankruptcy protection, and selling the property.
Which of them are actually open to you depends on how far along the case is, whether you want to keep the home, how much equity you have, and the condition of the property. The earlier you act, the more of these remain available. By the time a sale date is scheduled, several have closed off.
Five of the seven keep you in the house, which surprises people who assume foreclosure help means selling. The honest sequencing: catch-up options (reinstatement, modification, forbearance) work best before judgment; Chapter 13 and sales work right up to the auction; and the free options, HUD counseling and court mediation, are available through most of the process and cost nothing to try first.
The free two-minute assessment turns general answers into your specific next step.
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Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.